Make a Commitment to Saving Money

By opting into a share certificate account, you are making a commitment to keep your money invested and growing over time. The longer your savings commitment, the more you will earn. And, since we understand that each of our community members has unique financial needs, we offer flexible time periods from 1 month to 5 years. At the end of your term, there is no need to make a trip to our branch to renew. We will automatically roll you into another share certificate unless you choose to redeem your certificate.

Make an appointment, or just pop in, and one of our member service representatives in Plattsburgh, Tupper Lake, or Potsdam can help you determine what term is right for your share certificate.

Become a Member

Share Certificate Special

Do you have funds sitting at another financial institution? Take advantage of rising interest rates with our Share Certificate Special. Through July 31, 2024, you can invest in a 12-month certificate earning 4.50% APY* through Adirondack Regional FCU.

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Standard Share Certificate Rates

Share Certificate rates are accurate as of 01/01/2024
TermAnnual Percentage Rate
Annual Percentage Yield
Minimum Deposit
Share Certificates   
1 Year2.50%2.50%$1,000.00
2 Years1.15%1.15%$1,000.00
3 Years0.65%0.65%$1,000.00
4 Years0.80%0.80%$1,000.00
5 Years1.00%1.00%$1,000.00